Thumbnail icon for Beyond Bank

Beyond Bank Low Rate

Purchase rate
12.49% p.a.
Balance transfer rate
0% p.a. for 12 months and then 12.49% p.a.
Annual fees
$49
Interest free days on purchases
62

Mozo editorial review Beyond Bank Low Rate

Last updated: 2 July 2020.

binocular icon
What's hot
  • 0% balance transfer offer for 12 months
  • 62 interest free days
  • 12.49% purchase rate
What's not
  • $25 late payment fee
Mozo snapshot

If reducing your credit card expenses is the name of your game, then the Low Rate credit card from Beyond Bank could be the perfect companion for you. With 62 interest free days to pay off your purchases and a low annual card fee of just $49 you’ll be able to keep expenses down, plus the 0% balance transfer offer for 12 months will help you take control of any existing credit card debt.

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Key features

Featuring one of the longest interest free periods on the market, the Beyond Bank Low Rate credit card gives cardholders who pay their balance in full each month up to 62 interest free days on new purchases. Even if you do carry a balance, you’ll only be charged at the relatively low 12.49% purchase rate.

The card also comes with a low $49 annual fee, as well as the useful 0% balance transfer offer for the first 12 months. Just keep in mind that if you do take advantage of the offer to transfer debt from an existing card, make sure you pay it off in that 12 month period otherwise you’ll be charged the 12.49% purchase rate.

With Visa’s handy payWave system you’ll also be able to simply tap your card for payments below $100, and you won’t have to worry about any unauthorised purchases made with your card thanks to Visa’s Zero Liability Policy.

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Who is it good for

The Beyond Bank Low Rate credit card could be a top option for anyone looking to get a handle on their credit card debt who can make use of the 0% balance transfer offer, or cardholders that pay their balance on time each month that can take advantage of the generous 62 interest free days.

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Any catches

Just be aware of the $25 late payment fee.

Details

Rates and fees information correct as at 2 October 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 12.49% p.a.

  • none

  • 0% p.a. for 12 months and then 12.49% p.a.

  • no

  • 12.49% p.a.

  • 62

Fees
  • $49.00

  • none

  • none

  • $0.00

  • $25.00

  • $4.00

  • 3.00%

  • $5.00

  • $25.00

  • $0.00

Features
  • $20.00

  • 3.0

  • 4

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

How are Beyond Bank credit cards rated by the Mozo community?

Overall
8.9/10
Price
8.2/10
Features
7.6/10
Customer service
9.0/10
Convenience
9.0/10
Trust
8.9/10

Latest reviews of Beyond Bank Low Rate

  • Overall 9/10
    Great service.

    Very friendly staff in an efficient operation.

    Read full review

    Very friendly staff in an efficient operation.

    Price
    10/10
    Features
    -1/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Edgar, New South Wales reviewed 5 months ago
  • Overall 7/10
    Best.

    They are very good.

    Read full review

    They are very good.

    Price
    9/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Traci, South Australia reviewed 7 months ago
  • Overall 10/10
    Good.

    Good.

    Price
    0/10
    Features
    0/10
    Customer service
    -1/10
    Convenience
    -1/10
    Trust
    10/10
    Less
    Britney, South Australia reviewed 10 months ago
  • Overall 10/10
    Excellent and secure

    Credit Union and not a bank as I pay $2 to become a member and have no fees on debit visa card account

    Read full review

    Credit Union and not a bank as I pay $2 to become a member and have no fees on debit visa card account

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Derren, South Australia reviewed over 2 years ago
  • Overall 10/10
    You name it, they do it best

    Been with them from the first day they opened!!!

    Read full review

    Been with them from the first day they opened!!!

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Steve, New South Wales reviewed about 5 years ago
Beyond Bank

About Beyond Bank

Beyond Bank, formerly Community CPS, is one of Australia's largest customer owned banks. Based in South Australia, Beyond Bank operates more than 46 branches across the country. Beyond Bank offers a wide range of banking and financial products including home loans, credit cards, savings accounts, term deposits, bank and and business accounts, and personal loans. The winning combination of great products and local service has helped Beyond Bank win many industry awards, including Best Credit Union in the Mozo People's Choice Awards 2012.

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